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Melissa Maguire
Student Debt Expert, Product Specialist
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Profile
Join date: Sep 9, 2024
About
Melissa has over a decade of certification and experience in the student debt market. Since 2012, she has counseled thousands of student loan borrowers providing them clarity, guidance and tools to successfully repay their student loans. Melissa has been authored and published several times, notably in the Journal of Accountancy. In addition to her consumer advocacy, Melissa has used her expertise and experience to guide the development of Student Debt Solutions. Her vast knowledge of the rules associated with student loan repayment has been vital to product development and strategy.
Posts (70)
May 18, 2026 ∙ 2 min
The Final July 1 Student Loan Rules Are Here
The Department of Education officially released the final technical language implementing the repayment changes tied to the One Big Beautiful Bill Act (OBBBA), and the details confirm that July 1, 2026 will mark one of the biggest federal student loan system changes in decades. While most headlines have focused on the new Repayment Assistance Plan (RAP), the actual technical language revealed several major surprises that could significantly impact borrowers. Borrowers Who Switch Between IBR...
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May 18, 2026 ∙ 3 min
The Hidden Trap in the New Federal Student Loan Rules
Beginning July 1, 2026, borrowers may not realize how the Federal Student Loan changes could affect their future repayment options. Why Consolidation Is Changing One of the biggest issues involves federal student loan consolidation. For years, consolidation was viewed as a simple tool borrowers used to combine loans, lower monthly payments, qualify for forgiveness programs, or get out of default. But under the newly finalized student loan regulations tied to the One Big Beautiful Bill Act...
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May 18, 2026 ∙ 3 min
Major Student Loan Changes Could Affect Borrowers for Years
For years, most federal student loan borrowers focused on one goal: “How do I lower my monthly student loan payment?” But major federal student loan changes are now shifting the conversation. The future of student loan repayment may no longer be just about getting the lowest payment or maximizing forgiveness. It may now be about protecting your long-term eligibility before new repayment rules take effect. Under the newest Department of Education regulations, borrowers may soon face very...
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